Wai Kit Tsin is a financial advisor at Edward Jones in Millburn, NJ, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Societe Generale for two years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products. The firm is known for its extensive advisor and branch network and provides services under a fiduciary standard.

Nina Derosa is a financial advisor at Morgan Stanley with 14 years of experience in the industry. She holds the Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jeffrey Miller is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at American Portfolios Financial Services, Inc. and OSAIC. Miller is also a licensed notary in New Jersey and involved in non-variable insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Oleg Zaytsev is a Financial Consultant currently working at Fidelity Investments since 2023. He has prior experience as a Financial Advisor at PNC Investments in 2023 and served as a Senior Financial Consultant at E*TRADE From Morgan Stanley from 2012 to 2023. His professional focus is on providing tailored financial consulting services that align with clients' changing life circumstances and financial goals. Throughout his career, Oleg has partnered with clients to help them stay on track with their financial aspirations. His approach emphasizes collaboration and personalized strategies to meet individual needs. Outside of his professional work, Oleg's personal interests include activities such as beach outings, fitness, lake visits, skiing, and swimming.

Shawn Tighe is a financial advisor at LPL Financial with 12 years of industry experience. He holds the CFP® and Series 66 designations and has previously worked at Raymond James and Associates, Inc and UBS Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, banks, credit unions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kerry Carlo is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 1996. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Conroy is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 2004 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in film production, specifically a Netflix movie project titled "Little Brother." UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans using proprietary research and model-based asset allocations.

Christopher Colvin is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at HSBC Securities and Axa Advisors. Outside of his advisory role, he serves as a volunteer treasurer for a local Girl Scouts troop. Equitable Advisors provides financial planning and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, offering access to numerous third-party asset managers and tailored advisory programs.

Brian Langan is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Michael Rose is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent 22 years with Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. Rose is also a registered representative with Acorn Financial Services, where he provides financial consulting involving life insurance, variable products, and securities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jean Choiniere is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services and Wealthspring Financial Partners LLC. Outside of his advisory work, he holds a junior advisor role at Wealthspring Financial Partners LLC where he prepares financial plans and manages client portfolios. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management solutions and financial planning services through a large nationwide network of independent advisors.

Joseph De Marzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2006, beginning his career in the Operations area where he developed an understanding of Merrill's resources. He later transitioned to a Financial Advisor role, focusing on serving families, individuals, and business owners by simplifying the complexities of their financial lives. Joseph partners with a team of Merrill specialists to provide strategies in areas such as long-term financial planning, trust and estate services, insurance solutions, retirement planning, and wealth management banking, mortgage, and credit services through Bank of America. Joseph holds a Bachelor of Science degree from Fairfield University earned in 2005 and a Master of Business Administration from Seton Hall University completed in 2010. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in Madison, New Jersey, Joseph is a fourth-generation resident. He volunteers as an Auxiliary Officer for the Madison Police Department and serves as the head coach of the Madison Junior Football varsity team. He is also a fan of New York Giants football.

Antonia Arena is a financial advisor with Merrill Lynch Wealth Management, serving clients primarily in the Morristown and Short Hills area. Since beginning her career in the industry in January 2020, Antonia has developed expertise in investment management, retirement planning, and estate planning. She supports individuals, families, and business owners in achieving their financial goals through personalized strategies that incorporate their unique perspectives and priorities. Antonia is also a member of Merrill’s Christian Advisor Group, where she integrates ethical and faith-based principles into her advisory practice. Antonia holds a bachelor's degree in finance from Ramapo College, where she was actively involved in the Ramapo Investment Club and serves on the Ramapo Alumni Business Board. She has earned several professional designations, including Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to her financial advisory role, Antonia operates a high-end clothing resale business on Poshmark. Raised in Holmdel, New Jersey, she contributes to the community through involvement with the organization Hope For Children. Outside of her professional work, Antonia enjoys a range of activities including bowling, cooking, football, hiking, music, painting, running, soccer, spending time with family, and yoga. Her approach to financial advising emphasizes transparency and simplicity, aiming to make wealth planning an accessible and engaging process for her clients.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been employed since 1997. She works with families, individual investors, and business owners to design and implement financial strategies aimed at achieving their specific goals. Jennifer collaborates closely with her clients and their other professional advisors, such as attorneys and CPAs, to develop comprehensive, goals-based financial plans. Her approach includes investments, asset allocation, education funding, home purchases, retirement planning, estate planning services, and philanthropy. Jennifer holds several professional designations, including the Chartered Retirement Planning Counselor (CRPC), Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her High School Diploma from Pompton Lakes High School. She is actively involved in professional organizations such as the Paterson Rotary Club No. 70 and the Pompton Lakes Chamber of Commerce and serves as an elected Councilwoman for Pompton Lakes Municipal Borough. Residing in her hometown of Pompton Lakes, New Jersey, Jennifer is a mother of two children, Paige and John Michael. She participates in community initiatives including Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, Pompton Lakes Woman's Club, and Soroptimist International - Passaic Valley Chapter. Her personal interests include competitive skeet shooting, cooking, traveling, water sports, and spending summers on Greenwood Lake.

Stephen Bernstein is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Robb Hageman is a financial advisor at Mass Mutual Investors Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2019, following prior roles at MassMutual Life Insurance and Ameriprise Financial Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Megan Pagliaro is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2022, with prior experience at Hughes Klaiber LLC and periods focused on homemaking. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Amrik Singh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers services on a non-discretionary basis and combines large institutional advisory operations with multiple regulatory registrations.

Frank Yany Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lucas Sailer is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2023. Outside of his advisory role, he is employed by BIG Messages, an answering service for doctors in northern New Jersey, where he manages communication between hospitals, patients, and physicians. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.